Personal loans in Gresham, OR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gresham, OR.
The median household in Gresham earns $77,795 a year, 6% below the Oregon median of $83,011. About 13% of residents live below the federal poverty line, and 44.2% of households rent their home.
Oregon law that applies in Gresham
| Rate cap | The finance charge, as an APR, may not exceed the greater of 36% or 30 percentage points above the Federal Reserve discount window primary credit rate, set each January. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Consumer finance loans of $50,000 or less. |
Full rules with statute citations: Personal Loans in Oregon. Cities in Oregon cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Gresham
Here's what to have on hand before you start your personal loan request in Gresham:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Gresham
What Gresham borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Gresham
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Gresham
12 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| KeyBank National Association | 2 | 390 Nw Burnside Rd, Gresham 97030 |
| JPMorgan Chase Bank, National Association | 2 | 2053 Ne Burnside Rd, Gresham 97030 |
| U.S. Bank National Association | 1 | 300 E Powell Blvd, Gresham 97030 |
| Wells Fargo Bank, National Association | 1 | 2266 Ne Burnside Rd, Gresham 97030 |
| Clackamas County Bank | 1 | 1101 Ne Burnside Rd, Gresham 97030 |
| BMO Bank National Association | 1 | 825 Ne Hogan Dr, Gresham 97030 |
| Bank of America, National Association | 1 | 1651 Ne Division St, Gresham 97030 |
| Columbia Bank | 1 | 473 Nw Burnside Rd, Gresham 97030 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Gresham
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Onpoint Community | 1700 Nw Civic Dr Ste 101, Gresham 97030 |
| Rivermark Community | 1058 Nw Sleret Ave, Gresham 97030 |
| Unitus Community | 950 Nw Eastman Pkwy, Gresham 97030 |
| Oregonians | 247 E Powell Blvd, Gresham 97030 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Multnomah County · Payday Loans in Gresham · Title Loans in Gresham
Frequently asked questions
Can I get a personal loan with bad credit in Gresham?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oregon, including Gresham. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Gresham, OR?
36% APR (or discount rate plus 30 points) on licensed loans up to $50,000.
How fast can I get a personal loan in Gresham?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How do installment loans work in Gresham?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Gresham residents can see installment loan offers with our free 3-minute form.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Gresham borrowers who qualify.
Can I get a personal loan in Gresham with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Gresham residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get an emergency loan with bad credit in Gresham?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Gresham residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Gresham?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.